With Amazon Cash, you can shop online without a bank card
Apr 04, 2017, 00:34
Creating a service like Amazon Cash could help people underserved by banks or without credit or debit cards to shop online.
With Amazon Cash, people print out an Amazon-generated barcode that can be scanned at local participating retail stores (i.e. CVS Pharmacy, Speedway and Kum & Go) to deposit cash directly into an Amazon account. If, for some reason, you don't have a smartphone, you can go to an internet connected PC, go to the Amazon Cash site, and generate your barcode from the site.
Amazon Cash debuted Monday in the US, and the initial retailers include CVS, Speedway, Sheetz, Kum & Go, D&W Fresh Market, Family Fare Supermarkets and VG's Grocery.
Customers using this service will simply have to display a bar code at a participating retailer and deposit cash directly to their Amazon account.
The service, which is already available, seems to target customers who use cash more than debit or credit cards, whether by lack of access to such cards or by preference - a service similar to PayPal's My Cash Card. Amazon is making it easier to pay for goods online using cold, hard cash. The service will support adding any amount between $15 and $500 in a single transaction, Amazon says. Currently, the program is available in the USA at a select number of grocery and drug stores, though Amazon says more retailers are expected to join in soon. At any time, you can also view your Amazon Balance activity under Your Account. This "cash customer" (the unbanked or "underbanked) accounts for around 27 percent of consumers, said a 2015 report from the FDIC". Confirmation of the money's arrival will be sent to users via email, text, or push notification. Additionally, the same service could help Amazon bring in more lower-income customers, after it's successfully convinced wealthier customers to shop there.
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